Extra Benefits

  • It's a revolving line of credit - a flexible personal loan that allows you to access the funds as you repay so you don't have to apply for a loan ever again
  • Only pay interest on the amount you use
  • Additional cardholder - up to 1 additional cardholder with a minimum age of 16
  • Citibank Dining Program3 - to add value to your client relationships enjoy a free bottle of award winning wine every time you dine with one of our partner restaurants.
  • World Privileges4 - offering you a range of worldwide discounts on shopping, travel and entertainment
  • Visa Entertainment offers5 - bringing you exclusive offers on shows, movies and other events.
  • Purchase Cover Insurance - protection against loss, theft, or accidental damage over a wide range of new business items purchased anywhere in the world using your Business Credit facility
  • Extended Warranty Insurance - extends the warranty on business items, when purchased with your Business Credit facility
  • Guaranteed Pricing Scheme - if an item you purchase

    with your Business Credit facility later goes on sale elsewhere, you may be eligible for a refund of the price difference. Conditions apply.

View full terms and conditions

Accessing your funds

  • You'll receive a Visa Debit card. Here's how you can use it.
    Use your Visa Debit card to draw on your credit via ATM cash withdrawals or purchases. You can also request a personal cheque book for added spending flexibility. Keep in mind that at the end of the promotional period your transactions will revert to the standard Annual Percentage Rate, currently 14.59% p.a.

Low Fees


To be eligible to apply you must:

  • Be 18 years or older
  • Earn a taxable income of $35,000 per year or more
  • Have a good credit rating
  • Be a permanent Australian resident
  • Be a sole trader, or be in a partnership of not more than 2 persons, or be a shareholder who hold 50% or more shares of a private company
  • Have been in the industry for 2 or more years.

Category: Bank loan

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